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Which Medicare Advantage Plan Is Best?

When you’re deciding on which Medicare Advantage plan to choose for your coverage, the “Best” plan is based on a couple of different factors. All of these are unique to your situation: your health, your prescriptions, how much you travel, and more all come into play. We go into the most important factors to consider when looking for the best Medicare Advantage plan, below.

Biggest Factors To Consider

These are the primary factors to consider when choosing a Medicare Advantage plan…

How is your Health?

Medicare Advantage plans have co-pays and co-insurance as you use the plan at your doctor / hospital. So a plan with a $40 co-pay to visit the specialist might not be a deciding factor for someone who only goes to the doctor for their annual check up, but it would make an enormous difference to someone who goes to the physical therapist multiple times per week.

Prescription Drugs

Your prescription drug co-pays are expenses that you are definitely going to have to pay, unlike doctor copays that you might not need to pay if you stay healthy. Since the cost of medications has gotten so high these days, comparing plans based on how much they will charge you for your prescriptions is a MAJOR factor when deciding on a plan.

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Your Doctors

Different plans have different doctors who are “in network” providers. Checking whether your doctors are in/out of network is a critical first step when determining if I plan even an option for a given client.

Do you travel?

Some people never leave their city, others travel to Florida for the winter, and others visit their children who live out of state. The amount that you travel has a impact on which plan you choose. Typically HMO plans are able to offer higher benefits / lower costs, but that comes with the tradeoff of having a more restrictive network. If you travel frequently, it probably makes sense to opt for a PPO plan that gives you the option to see doctors out-of-network for a higher co-pay.
Sylvia Gordon, aka Medicare Mama®, is an expert on all things Medicare and Social Security. She is the 2nd Generation here at The Medicare Family and has served on the advisory boards of major insurance companies like UnitedHealthcare®, Cigna, and Anthem. In her free time, she can be found taking care of her animals (dogs, goats, peacocks, chickens), and reading a good book. Learn More.
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